Job Description
Role Overview
Own the design, iteration, and execution of end-to-end risk strategies across our consumer credit business (BNPL / cash loan / consumer loan, etc.). Drive risk management across the full credit lifecycle—pre-loan, in-loan, and post-loan—and partner with modeling teams to elevate the quantitative rigor of our strategies, enabling the business to scale within well‑controlled risk boundaries.
What You'll Do
1. End-to-End Risk Strategy Design
- Design and deploy full‑lifecycle risk strategies across pre‑loan (customer onboarding, credit underwriting, traffic allocation), in‑loan (transaction monitoring, dynamic credit‑line adjustment, risk alerts), and post‑loan (collection segmentation, asset disposition) stages
- Cover both credit risk and fraud risk scenarios, building a multi‑layered, scalable risk decisioning framework
- Continuously monitor core risk metrics (approval rate, delinquency rate, fraud rate, charge‑off...